LVNV multiple Tradelines best approach

LVNV multiple Tradelines best approach

Hello, I have more than TL from LVNV with different OCs. For the purposes of dv letters, settlement attempts, disputes to how they are reporting them etc. is it best to treat each TL individually or treat it as one account since it is all the same JDB? I am guessing something like a dv letter is probably best to treat each TL separately, but any cases where you treat it as one? I.e. more leverage in a settlement attempt?

Re: LVNV multiple Tradelines best approach

KnewBee wrote:

Hello, I have more than TL from LVNV with different OCs. For the purposes of dv letters, settlement attempts, disputes to how they are reporting them etc. is it best to treat each TL individually or treat it as one account since it is all the same JDB? I am guessing something like a dv letter is probably best to treat each TL separately, but any cases where you treat it as one? I.e. more leverage in a settlement attempt?

Hope this makes sense. Thank you!

How old are these trade lines?

LVNV is notorious for being flightly and loose with the law.. You might be able to gain leverage to compel deletion from them..

Re: LVNV multiple Tradelines best approach

I am having a similar issue here... I have sent DV ltrs to no avail. However since I've sent 2 DV's with adequate time to respond, I've noticed a new "trend"... they keep "closing" the acct on my credit report, but I'll see a new "acct #" for the same exact amt listed as open for this month... this appears to be a constant cycle since my ltrs.

Also, every once in a while they seem to overlap and will show as 2 collections one opened last month and one this month.

LVNV is royally confusing as to how to handle, so I'm very interested in what anyone has to say about them. Below is how it shows on my report:

Re: LVNV multiple Tradelines best approach

I found this forum while doing some research on lvnv. I have sent them request after request and they kept reaging the account and then they kept transfering it to another one of their companies.

They are trying to collect on a First Premiere Bank Visa that is 6 years old and another visa card. I found that both cards had arbitration clauses. I paid the money to invoke the arbitration and they never responded.

I filed suit last week against LVNV Funding and Resurgent Capital and Sherman Companies.

LVNV isn't new at this. There is currently a lawsuit that is pending against them for listing themselves as an "Orginal Creditor". They tried to have it dismissed and the courts ruled against them.

From my experience, the only thing that they have listened to is my court filing. All of a sudden I found myself saying... Can you hear me now?

The amount of debt I have is under $1000.00 total with them and it is out of the Statute of Limitations. They even told me it was past the SOL but they keep making it so it won't come off my credit.

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IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com include a FICO® Score 8, along with additional FICO® Score versions. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more

FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.